Hi all
I am new to the site so am looking for direction on this matter . I was with GP from September 2004 in a DMP. Until 2009 this was paid monthly with their fee and creditor payments shown on a statement. As I am a horder I found a statement last month and saw a suspect 'sterling ppi' payment on this list,which appeared across the board with no acc number etc. Of course I know this was a useless product so raised the complaint . As my complaint was worded as awareness they have time locked and rejected my complaint. I was unhappy with their response firstly because although I saw it on statements I didn't know what it was for ...how would I? Also on their letter they state I would have been asked upon review about my situation ie employment to check product relevance. Now 100% I did not work as had my first child so if that had been asked I would have told them. Anyway financial ombudsman cannot help as at the date of sale the company was not regulated by them (2mths later this happenned) . I called the gentleman up who had closed my complaint and he said he had investigated and was happy I was aware. I am awaiting the response he gives as I am not happy with the reliance on advisor system notes as I was not working and also another factor I stated is that okay ,so I saw it on statements but I wasn't knowledgeable as to what it was etc why would I be if nobody explained ?! Please help as I paid this for 5yrs at almost £13 permonth and I think it scandalous they have used my ignorance at the time to their advantage. Surely this is praying on the vulnerable as a DMP customer is surely easy prey as pretty desperate for help so believe they are meant to be helping you at the time.
Also it had a history of medical factors which had they asked would have .adequate ppi void anyhow !
Thanks so much in advance everyone...
I am new to the site so am looking for direction on this matter . I was with GP from September 2004 in a DMP. Until 2009 this was paid monthly with their fee and creditor payments shown on a statement. As I am a horder I found a statement last month and saw a suspect 'sterling ppi' payment on this list,which appeared across the board with no acc number etc. Of course I know this was a useless product so raised the complaint . As my complaint was worded as awareness they have time locked and rejected my complaint. I was unhappy with their response firstly because although I saw it on statements I didn't know what it was for ...how would I? Also on their letter they state I would have been asked upon review about my situation ie employment to check product relevance. Now 100% I did not work as had my first child so if that had been asked I would have told them. Anyway financial ombudsman cannot help as at the date of sale the company was not regulated by them (2mths later this happenned) . I called the gentleman up who had closed my complaint and he said he had investigated and was happy I was aware. I am awaiting the response he gives as I am not happy with the reliance on advisor system notes as I was not working and also another factor I stated is that okay ,so I saw it on statements but I wasn't knowledgeable as to what it was etc why would I be if nobody explained ?! Please help as I paid this for 5yrs at almost £13 permonth and I think it scandalous they have used my ignorance at the time to their advantage. Surely this is praying on the vulnerable as a DMP customer is surely easy prey as pretty desperate for help so believe they are meant to be helping you at the time.
Also it had a history of medical factors which had they asked would have .adequate ppi void anyhow !
Thanks so much in advance everyone...
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